Wednesday, December 17, 2008

This can be a sobering question with an even more sobering answer. Fortunately, there are ways to protect those you love from financial crisis.

At Insurance, we are dedicated to helping people find the best life insurance for their families and businesses. Insurance company have been helping people like you get the life insurance they need to protect the ones they love. In an ever-changing world, finding a little peace of mind can be priceless — and life insurance offers peace of mind.

We are NOT sales people. We are dedicated to helping you find exactly what you need in a no-hassle, no-pressure environment. We think buying life insurance should be easy, so we make it easy. Remember, life insurance isn't for people who die; it's for people who live!

Many Purposes for Life Insurance

Life insurance is far more than just a decision of how much to buy. Depending on your financial situation, life insurance can be used for a variety of purposes, such as:

providing for your spouse and children

paying off your mortgage and other debts

transferring wealth or business interests

accumulating cash on a tax advantaged basis

achieving estate tax liquidity

Life insurance is like auto insurance in that you can buy a lot of it or not very much at all. Life insurance differs from auto insurance in that, depending on the type of policy you buy, you can pay a lot or a little for basically the same death benefit. Keep in mind, though, that the younger and healthier you are, the less you will pay for coverage. Life insurers really, really like to have their policyholders around for a long, long time.

So how much life insurance do you need? It depends. One common benchmark is your death benefit should be about six to eight times your annual earnings, but there are a variety of factors to consider:

Other income sources.

The size of your family.

Whether your spouse works and his or her earning capacity now and in the future.

The number of people who are financially dependent on you and for how long.

The death benefits your family will receive from Social Security and any life insurance plan at your work.

And any special needs such as mortgages, college education funds and estate planning.

"Once the debt objective has been met, you should consider additional coverage for income replacement benefit, which would help your family to survive, in the form of a lump sum to cover the total lost income as a result of ur death or total or permanent disability. The next coverage considerations would be retirement and education saving"

Imagine me and you I do I think about you day and night.It's only right.To think about the girl you love, and hold her tight.So happy together.If I should call you upInvest a dime and you say you belong to me and ease my mindImagine how the world can be so very fine.So happy togetherI can't see me loving nobody but you around my life.When your with me baby the skies will be blue around my life.

Me and you and you and meNo matter how they toss the diceIt has to be the only one for me is you and you for me.So happy together.If i should call you upInvest a dime and you say you belong to me and ease my mindImagine how the world can be so very fineSo happy together.Around my life yeah!)